MTB at a glance
M&T Bank (MTB, SEC CIK 36270) filed its latest 10-K annual report on February 18, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on September 28, 2026 and Form 4 insider filings as recently as September 16, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), M&T Bank (MTB) reported revenue of $1.7 billion (up 7.5% from FY2024) and net income of $2.9 billion. Diluted EPS was $17.00.
- As of June 30, 2026, 44 institutional investment managers tracked by SignalX reported holding M&T Bank (MTB) shares worth $17.1 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by JONES RENE F on September 14, 2026 of 19,396 shares at $239.35 per share.
- In the last 90 days, MTB insiders reported 0 open-market purchases ($0) and 6 open-market sales ($5.8M) on Form 4, a net sale of $5.8M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.7B
- +7.5% vs prior year
- Insiders · 90 days
- 0 buys · 6 sells
- Net −$5.8M
- 13F holders
- 44 funds
- $17.1B · +3 vs prior quarter
- Latest 8-K
- Sep 28, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Diversified banking services focused on Commercial Bank, Retail Bank, and Institutional Services and Wealth Management segments
- New emphasis: Residential mortgage sub-servicing agreement initiated Feb 2025 adding $51.7B loans under management, boosting Retail Bank noninterest income by $111 million
- Strategic shift: Election effective Jan 1, 2026 to measure residential mortgage loan servicing rights at fair value, adding $263 million servicing assets and $197 million retained earnings
- Notable metric: Total net income rose 10% YoY to $2.85 billion, driven by 4% growth in Commercial Bank net income and 6% average loan growth in Retail Bank
- Unusual fact: "All Other" segment swung from $534 million loss in 2024 to $3 million gain in 2025 due to changes in allocation methodologies and FDIC assessment reduction
Risk Factors
- Regulatory risk from Federal Reserve’s pending capital framework revisions and long-term debt proposal increasing required long-term debt, likely raising interest expense and reducing net interest margin
- Macroeconomic exposure to Northeast and Mid-Atlantic regional economic downturns impacting credit quality and causing impairment charges and higher servicing costs
- Operational risk from reliance on third parties for key business infrastructure, increasing vulnerability to interruptions or breaches beyond company control
- Competitive risk from financial regulatory reform initiatives affecting M&T’s ability to grow and compete with other $100B+ asset banks facing heightened capital and liquidity requirements
- Financial risk from increased stress capital buffer (SCB) at 2.7%, with potential future increases restricting dividends, share repurchases, and acquisitions
Management Discussion & Analysis
- Revenue $9.73B (net interest + other income), up 4.5% from $9.32B in 2024; net interest income (taxable-equivalent) $6.99B up 1% YoY (+$90M)
- Net income $2.85B, up 10% YoY from $2.59B; net interest margin 3.67% vs 3.58% in 2024; efficiency ratio improved to 56.0% from 56.9%
- Best segment: Noninterest income +13% (+$315M) led by mortgage banking, trust; worst: Commercial real estate loans declined 17% in portfolio
- Cash usage: repurchased 14.3M shares for $2.66B (vs 2.1M shares $400M in 2024); issued 45,000 preferred shares with $450M liquidation preference; capex not detailed
- Outlook: management notes interest rate cuts by FOMC impacting yields; continues portfolio migration from commercial real estate; potential risks in loan recourse exposure noted
AI summary of the MTB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Six-month net interest income $3.544B, up $136M or 4% YoY
- Net income $1.482B, up $182M or 14% YoY; net interest margin 3.70% vs 3.64%
- Best growth: commercial and industrial loans $64.942B, up 6% YoY; worst: commercial real estate loans $23.525B, down 9%
- Liquidity deployment: investment securities averaged $38.289B, up $3.4B YoY; 2.1M shares repurchased for $465M
- Headwinds: global conflicts affecting economic forecasts; future rates and spreads could pressure net interest income and margin
Risk Factors
- No risk-factors section provided; excerpt contains Items 2–6 only
- Share-repurchase authorization increased to $5.0 billion from prior $4.0 billion program
- Repurchases totaled 2,118,649 shares at average $219.27 during the quarter
- CEO Rule 10b5-1 arrangement permits sales of up to 19,396 shares through March 31, 2027
AI summary of the MTB 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- M&T reorganizing Other income categories beginning Q3 2026, improving comparability without changing total Other income or net income
- Trust income and brokerage services combined into trust and investment services income
Item EX-99.1: Item EX-99.1
- Retrospective reclassifications reset historical comparability ahead of Q3 2026, affecting income, balance-sheet and taxable-equivalent disclosures
- Q2 2026 net income $818M, up from $664M in Q1; net interest income $1,792M
Item 8.01: Other Events
- M&T refreshed its Medium-Term Note Program, enabling future issuance of senior and subordinated debt
- Senior Series C Notes supported by the 2007 Senior Indenture and 2022 supplemental indenture
Item 7.01: Regulation FD Disclosure
- M&T posted an investor presentation on September 14, 2026, for use in investor and analyst discussions
- Presentation available through M&T’s Investor Relations website and filed as Exhibit 99.1
AI summaries of MTB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for MTB
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| JONES RENE F | M | Sep 14, 2026 | 16,770 | $190.78 |
| JONES RENE F | Sell | Sep 14, 2026 | 19,396 | $239.35 |
| JONES RENE F | F | Sep 14, 2026 | 15,101 | $239.48 |
| JONES RENE F | M | Sep 14, 2026 | 16,770 | - |
| Seseri Rudina | Sell | Aug 21, 2026 | 623 | $241.04 |
| Taylor John R. | Sell | Aug 17, 2026 | 1,217 | $253.84 |
| WALTERS KIRK W | Sell | Aug 5, 2026 | 9.366 | $253.77 |
| Ledgett Richard H. Jr. | Sell | Aug 3, 2026 | 855 | $248.16 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $1.5B | $1.5B | $1.7B | |
| Net Income | $2.7B | $2.6B | $2.9B | |
| Net Margin | 184.7% | 167.9% | 172.1% | |
| Balance Sheet | ||||
| Total Assets | $208.3B | $208.1B | $213.5B | |
| Equity | $27.0B | $29.0B | $29.2B | |
| ROE | 10.2% | 8.9% | 9.8% | |
| Per Share | ||||
| EPS | $15.79 | $14.64 | $17.00 | |
| Cash Flow | ||||
| Operating CF | $3.9B | $3.6B | $3.0B | |
Source: XBRL data in M&T Bank (MTB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate MTB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 44 | $17.14B |
| Q1 2026 | 41 | $15.42B |
| Q4 2025 | 37 | $15.53B |
| Q3 2025 | 39 | $16.54B |
| Q2 2025 | 37 | $15.01B |
| Q1 2025 | 38 | $11.94B |
| Q4 2024 | 31 | $10.24B |
| Q3 2024 | 24 | $3.71B |
- Goldman Sachs Group+207.5K (+18%)
- Wells Fargo & Co+160.8K (+30%)
- Millennium Management+46.5K (+190%)
- JPMorgan Chase & Co+41.8K (+1%)
- Citadel Advisors LLC+36.1K (+39%)
- Morgan Stanley−862.0K (-19%)
- FMR LLC (Fidelity)−754.1K (-6%)
- Vanguard Portfolio Management LLC−408.0K (-5%)
- Bank of America Corp−284.0K (-18%)
- Ameriprise Financial−242.7K (-59%)
- Mangrove Partners−2.3K
Source: 13F-HR filings on SEC EDGAR (aggregated from 291 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
MTB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 28, 2026 | - | Analysis | - |
| 8-K | Sep 22, 2026 | - | Analysis | - |
| 4 | Sep 16, 2026 | - | - | - |
| 8-K | Sep 14, 2026 | - | Analysis | - |
| 13F-HR/A | Sep 4, 2026 | Mar 31, 2026 | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 5, 2026 | - | - | - |
| 13F-HR | Aug 4, 2026 | Jun 30, 2026 | - | |
| 4 | Aug 4, 2026 | - | - | - |
| 10-Q | Aug 4, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 4, 2026 | - | - | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 4 | Jul 16, 2026 | - | - | - |
| 8-K | Jul 15, 2026 | - | Analysis | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jun 17, 2026 | - | - | - |
| 8-K | Jun 16, 2026 | - | Analysis | - |
| 4 | Jun 11, 2026 | - | - | - |
| 4 | Jun 8, 2026 | - | - | |
| 13F-HR | May 12, 2026 | Mar 31, 2026 | - | |
| 4 | May 11, 2026 | - | - | |
| 10-Q | May 5, 2026 | Mar 31, 2026 | Analysis | |
| 4 | May 4, 2026 | - | - | - |
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MTB SEC filings: frequently asked questions
Are MTB insiders buying or selling?
In the last 90 days, M&T Bank (MTB) officers, directors and 10% owners reported no open-market purchases and 6 open-market sales worth $5.8 million by 6 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold MTB stock?
As of June 30, 2026, the largest M&T Bank (MTB) holders among the 13F filers tracked by SignalX were BlackRock ($3.1 billion), FMR LLC (Fidelity) ($3.0 billion), Vanguard Capital Management LLC ($2.3 billion), State Street Corp ($1.7 billion), Vanguard Portfolio Management LLC ($1.7 billion). 13F-HR reports are filed up to 45 days after each quarter ends.
What was MTB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), M&T Bank (MTB) reported revenue of $1.7 billion (up 7.5% from FY2024) and net income of $2.9 billion. Diluted EPS was $17.00. The figures come from the XBRL data in the 10-K.
What are the main risks in MTB's latest 10-K?
In the 10-K filed February 18, 2026, M&T Bank (MTB) flagged: Regulatory risk from Federal Reserve’s pending capital framework revisions and long-term debt proposal increasing required long-term debt, likely raising interest expense and reducing net interest margin. Macroeconomic exposure to Northeast and Mid-Atlantic regional economic downturns impacting credit quality and causing impairment charges and higher servicing costs. (AI summary of the Risk Factors section.)
What did MTB report in its latest 8-K?
M&T Bank (MTB) filed an 8-K on September 28, 2026 reporting Item 7.01 (Regulation FD Disclosure). M&T reorganizing Other income categories beginning Q3 2026, improving comparability without changing total Other income or net income.
What are the latest MTB SEC filings?
M&T Bank (MTB) filed its latest 10-K annual report on February 18, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on September 28, 2026 and a Form 4 insider filing on September 16, 2026.
What is MTB's SEC CIK number?
M&T Bank (MTB)'s SEC Central Index Key (CIK) is 36270. EDGAR lists every MTB filing under that number.
Ask anything about MTB
The research agent reads MTB's filings, financials, insider trades and 13F holders, then answers with sources.